but, i stand by the view that a credit check is essentially useless for low income people.
you could have spotless credit. if you're low income, and you get fired, you're fucked. you could default. you could get evicted for non-payment. and, it wouldn't have anything to do with your existing credit. it's just a function of being poor.
it works the other way, too: you could have terrible credit, because you were fired, and you were evicted. you could have defaulted. you might live on social assistance, or you might have just had a bad year. it doesn't mean you're not getting money in NOW.
a credit check is designed for middle income people making middle income investments. it's an abuse of the procedure to use it as a means test to allow or disallow low income people into housing - because it's as likely to be wrong in it's conclusions as it is to be correct.
Tuesday, October 31, 2017
ok, here's another idea: parking.
there's some bigger apartment buildings running around 760-775. i'd be permanently defaulting on night-life to take that; i'd be falling from $200/month spending to under $100/month spending and, with the exchange, it would really leave me without the ability to go out very often. once a month. i could gamble on settling down a little anyways, but i'm not comfortable with defaulting on the option. and, rent isn't where i want the funds to disappear to.
but, if i get a dedicated parking space - which i will never use. i don't even have a license. - i could rent it out for what looks like more than $50/month. all of a sudden, that looks affordable. and, if i could just let the building deal with it maybe they'd cut the rent down by the difference...
on top of that, i can always *ask* about separating the hydro. then, the 775 potentially falls to 700. and, if i explain the scenario, i might get a reasonable reaction.
a big one bedroom apartment on the 6th or 7th floor with decent anti-smoke insulation (no balcony) would be a definite improvement. if it only costs me $30/month, after everything, that's a positive investment.
i can make some calls tomorrow.
i'm done for the night. i need to focus on the discography for a few hours.
there's some bigger apartment buildings running around 760-775. i'd be permanently defaulting on night-life to take that; i'd be falling from $200/month spending to under $100/month spending and, with the exchange, it would really leave me without the ability to go out very often. once a month. i could gamble on settling down a little anyways, but i'm not comfortable with defaulting on the option. and, rent isn't where i want the funds to disappear to.
but, if i get a dedicated parking space - which i will never use. i don't even have a license. - i could rent it out for what looks like more than $50/month. all of a sudden, that looks affordable. and, if i could just let the building deal with it maybe they'd cut the rent down by the difference...
on top of that, i can always *ask* about separating the hydro. then, the 775 potentially falls to 700. and, if i explain the scenario, i might get a reasonable reaction.
a big one bedroom apartment on the 6th or 7th floor with decent anti-smoke insulation (no balcony) would be a definite improvement. if it only costs me $30/month, after everything, that's a positive investment.
i can make some calls tomorrow.
i'm done for the night. i need to focus on the discography for a few hours.
i'm also going to have to see if i can try and contact some of these property owners directly and explain to them that this management layer isn't just wasting them money but is actually preventing them from bringing in reliable and quality tenants.
i've had problems here, but it's because the family that lives here are idiots. most property owners would side with the tenants that want to mitigate smoke damage and cat feces on their property, not the ones that want to maximize the damage to it. nothing makes sense, here.
the truth is that i've treated this place better than the family that owns it does - and i've only come into conflict when i've insisted that they treat it better than they do.
i made a few calls this morning, but nothing much came up over night. there's one option that's a little more than i want but might be better - it's up a few floors, and the smoke issues might be better. but, it was up on short notice and i'm supposed to call back on friday.
i'm going to get something to eat and then give myself a few more hours. but, i'm going to need to pay my rent this evening if nothing else comes up before 17:00 - and then i'm looking for december 1st.
i've also decided that i'm going to get the appeals process in motion once i pay the rent.
i'm going to get something to eat and then give myself a few more hours. but, i'm going to need to pay my rent this evening if nothing else comes up before 17:00 - and then i'm looking for december 1st.
i've also decided that i'm going to get the appeals process in motion once i pay the rent.
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